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Funding Offer Decision ‚Äč


This documentation is work in progress and subject to change. If you have any questions or feedback, please reach out to us via Support.

Final step is to inform Zetl of customer decision to accept/reject the funding offer through the funding decision endpoint. An example of having a customer accept the funding offer would look like this:

POST /v1/instant-settlement/c6241b71-4340-4710-a304-0409124ff87c/decision HTTP/1.1
Content-Type: application/json
Authorization: Bearer <your-private-key>

  "type": "accept"
curl --request POST \
  --url \
  --header 'Authorization: Bearer <your-private-key>' \
  --header 'Content-Type: application/json' \
  --data '{"type": "accept"}'

Successful API call will return the following response body in JSON format:

  "funding_id": "c6241b71-4340-4710-a304-0409124ff87c",
  "customer_id": "b8a1dfe0-c575-4d5c-9840-2fca96b5d96a",
  "currency": "HKD",
  "amount": 100000,
  "account_chargeback_rate": 0.03,
  "account_refund_rate": 0.03,
  "settlement_period": 7,
  "interest_rate": 0.0049,
  "transactions": {
    "transaction_list": [
        "transaction_id": "c6241b71-4340-4710-a304-0409124ff87c",
        "transaction_date": "2023-11-29",
        "transaction_currency": "HKD",
        "transaction_amount": 100000,
        "transaction_status": "success",
        "transaction_type": "sale",
        "transaction_settlement_date": "2023-12-07",
        "settlement_status": "settled"
    "transaction_count": 1,
    "total_amount": 100000
  "status": "accepted",
  "created_at": "2023-12-01T00:02:00Z",
  "updated_at": "2023-12-01T00:02:00Z"


Refer to Funding Offer Decision resource for a detailed description of each property on the request and response body.

With that, you have successfully completed borrower onboarding process and finished funding request flow on behalf of borrower. Accepted funding request will then proceed to further fund disbursement process and will be disbursed within 24 hours or partner-specific disbursement agreement.

For further technical information on how to integrate with Zetl API, please refer to API Reference.